WPC Apple Card Data Scientist

Apple is a place where extraordinary people gather to do their best work. Together we craft products and experiences people once couldn’t have envisioned — and now can’t imagine living without. If you’re excited by the idea of making a real impact and joining a team where we pride ourselves in being one of the most diverse and expansive companies in the world, a career with Apple might be your perfect job. ## Description The Wallets, Payments, and Commerce (WPC) team at Apple is looking for a full-stack Data Scientist who is passionate about crafting and implementing data solutions that have a direct and measurable impact on Apple customers. In this role, you will help chart the future direction of Apple Card by identifying and investigating new opportunities, projecting future results, and ensuring the business can execute against its long-term strategy. You will partner directly with product, marketing, finance, and credit teams, working cross-functionally to deliver results, as well as working with external partners such as issuing banks to help deliver on our product strategy and roadmap. You should have experience and subject matter expertise in financial modeling, payments, banking, credit, risk operations, data science, and finance. Previous experience working in the credit card industry at an issuer, network or co-brand partner is highly preferred. Experience with a variety of financial products is a plus. ## Responsibilities Build scalable production ready workflows, end-to-end ETL pipelines and predictive valuation models Perform descriptive and diagnostic analyses on large-scale datasets to uncover insights that inform and influence cross functional teams Drive new product and feature evaluations anchored in business, strategy, and financial analysis to support executive decision-making on top priorities Design, deploy, and evaluate measurement plans and feature launch reporting that help define opportunities for higher adoption, improved business performance, and better customer experience Conduct hypothesis-driven exploratory analyses, select appropriate ML algorithms, and build end-to-end model pipelines to deliver impactful data solutions Research and implement new technologies and methods across data science and data engineering to improve the technical capabilities of the team Build data visualizations and executive reports Communicate insights to senior management by distilling complex analysis and concepts into concise business-focused takeaways Forecast, analyze, and report business performance for Apple Card through regular updates to senior leadership along with monthly and quarterly business reviews ## Minimum qualifications Minimum of bachelor’s degree in engineering, data science, economics, statistics, computer science, or related quantitative field Minimum of 8 years of experience with a proven track record of success in data science roles focused on financial modeling, business analysis, finance, and data analysis Deep understanding of product valuation modeling and marginal decisioning Expert data wrangler in Python (e.g., Pandas, Polars) with experience working with relational databases, including SQL, and large-scale distributed systems such as Redshift Proficient in cloud data platforms such as Snowflake and Databricks Strong experience in building scalable production ready workflows, end-to-end ETL pipelines and predictive models that enable data-driven decisions Exceptional data visualization and storytelling abilities, capable of translating complex analyses into clear, executive-ready insights Excellent written and verbal communication skills, adept at translating technical results into clear, compelling narratives for non-technical and executive audiences Highly organized, self-driven, and effective at prioritizing and delivering multiple initiatives under tight timelines ## Preferred qualifications Advanced degree in Applied Econometrics, Statistics, Machine Learning, Analytics, Mathemati…